Call reports 2008
HERITAGE BANK — 2008
What HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 18,213,000 | 18,253,000 | 24,633,000 | 25,041,000 |
| Total loans | 6,645,000 | 6,821,000 | 5,387,000 | 5,510,000 |
| Allowance for loan losses | 146,000 | 137,000 | 152,000 | 93,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 314,000 | 313,000 | 313,000 | 312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,673,000 | 15,700,000 | 16,511,000 | 16,527,000 |
| Interest-bearing deposits | 10,403,000 | 10,310,000 | 11,024,000 | 10,802,000 |
| Noninterest-bearing deposits | 5,270,000 | 5,390,000 | 5,487,000 | 5,725,000 |
| Equity capital | 2,476,000 | 2,520,000 | 7,979,000 | 8,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 288,000 | 560,000 | 72,000 | 295,000 |
| Interest expense | 82,000 | 164,000 | 19,000 | 89,000 |
| Net interest income | 206,000 | 396,000 | 53,000 | 206,000 |
| Noninterest income | 17,000 | 35,000 | 17,000 | 41,000 |
| Noninterest expense | 137,000 | 278,000 | 32,000 | 437,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 66,000 |
| Pretax income | 86,000 | 153,000 | -12,000 | -256,000 |
| Income tax | 29,000 | 52,000 | -4,000 | -66,000 |
| Net income | 57,000 | 101,000 | -8,000 | -190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,476,000 | 2,520,000 | 5,440,000 | 5,839,000 |
| Total capital | 2,574,000 | 2,620,000 | 5,538,000 | 5,932,000 |
| Risk-weighted assets | 7,830,000 | 7,764,000 | 7,785,000 | 8,364,000 |
Machine access — free, no API key
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